the federal government are so intent on suing you? >> i'll tell you, that is one very significant issue that we wish would have been corrected with dodd/frank and some of these other things, the notion that there are now 50 states in the mix, so you have a situation, for example, the big banks are regulated by the federal government, but the non-bank mortgage companies are actually regulated by 50 states and the federal government with a patchwork of regulations and a lot of uncertainty. by the way, all that government uncertainty right now, while rates are very low, they actually could be lower. >> lower? >> they could be lower. rates are .25% higher over treasuries than they've ever been really because of fear and uncertainty because of future regulations that are still yet to come out. that's $50 a month for an average home buyer. >> and something else we don't talk a lot about but also very significant, even with the incredibly low mortgage rates, try and get one. you have got to go through the banks are extraordinarily stringent